Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.88% | +0.26 | 0.62% |
| Return on Equity (%) | ▲ | 13.15% | +3.65 | 9.50% |
| Net Interest Margin (%) | ▲ | 3.10% | +0.12 | 2.97% |
| Efficiency Ratio (%) | ▲ | 62.62% | -7.75 | 70.37% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.26 | $0 |
| Cost of Funds (%) | ▲ | 2.14% | -0.07 | 2.21% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $232 | +26.91 | $205 |
| Gross Loans ($M) | ▲ | $181 | +24.63 | $156 |
| Loan Growth YoY (%) | ▲ | 83.29% | +2.07 | 81.22% |
| Total Deposits ($M) | ▲ | $215 | +24.69 | $190 |
| Shareholders Equity ($M) | ▲ | $15 | +2.53 | $13 |
| Tang. Book Value ($M) | ▲ | $15 | +2.53 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +2.62 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 83.29% | +2.07 | 81.22% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.31% | -0.06 | 0.37% |
| Allowance / Loans (%) | — | 0.82% | -0.05% | 0.87% |
| Net Charge-Off Ratio (%) | ▲ | 0.40% | -0.09 | 0.49% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.95% | -0.29 | 13.24% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▇▁▁▂▃▃▄ | Net Interest Margin (%) | 3.28% | 3.23% | 2.93% | 2.97% | 3.00% | 3.03% | 3.06% | 3.10% |
| ▃▄▃▂▂▁██ | Return on Assets (%) | 0.68% | 0.72% | 0.65% | 0.62% | 0.64% | 0.57% | 0.86% | 0.88% |
| ██▆▇▆█▁▁ | Efficiency Ratio (%) | 71.7% | 71.5% | 68.6% | 70.4% | 68.6% | 72.1% | 63.1% | 62.6% |
| ▁▄▄▇██▅▅ | Cost of Funds (%) | 1.89% | 2.04% | 2.08% | 2.21% | 2.29% | 2.26% | 2.11% | 2.14% |
| ███▃▄▆▃▁ | NPA / Assets (%) | 0.51% | 0.49% | 0.51% | 0.37% | 0.40% | 0.46% | 0.36% | 0.31% |
| █▇█▃▅▇▃▁ | Net Charge-Off Ratio (%) | 0.63% | 0.61% | 0.66% | 0.49% | 0.53% | 0.60% | 0.46% | 0.40% |
| ▂▁▂▂▄▆▇█ | Tang. Book Value ($M) | $13 | $12 | $13 | $13 | $14 | $14 | $15 | $15 |
| ▁▁▂▃▄▅▇█ | Gross Loans ($M) | $143 | $146 | $151 | $156 | $162 | $166 | $174 | $181 |
| ▁▂▃▅▆▆▇█ | Total Deposits ($M) | $160 | $168 | $181 | $190 | $197 | $200 | $206 | $215 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 98% |
| C&I / Commercial | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 6% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 15% |